StoxPlus - Vietnamese Banks - Full Data Coverage - Issue 1 - Jul 2011

Last update:
Vietnamese Banks
A Helicopter View
6-Jul-11
VIETNAMESE BANKS: TABLE OF CONTENTS

1
Vietnamese Bank - Bring them together
19
Mekong Development Bank
38
Valuation comparison of Vietnamese Banks
20
MHB Bank
40
Asset Quality and Capital Adequacy
21
MaritimeBank
42
Balance Sheets Summary - FY2010
22
Nam A Bank
43
P&L Summary - FY2010
23
North Asia Bank
44
Ratios - FY2010
24
Nam Viet Bank
46
25
Oricombank
48
26
PG Bank
50
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
Southern Bank
PetroVietnam Finance Corp.
Saigon Commercial Bank
SeaBank
SaigonBank
SH Bank
Sacombank
Trust Bank
Techcombank
Tien Phong Bank
Viet A Bank
Vietcombank
VIBBank
VPbank
Vietnam Tin Nghia Bank
VietBank
Western Bank
Data Update Master Sheet
51
53
55
57
58
59
61
63
64
66
67
69
71
72
74
76
78
80
APPENDICES
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Asia Commercial Bank

An Binh Bank
Agribank
BIDV
Bao Viet Bank
VietinBank
DaiA Bank
OceanBank
DongA Bank
Eximbank
Ficombank
GP Bank
Gia Dinh Bank
Habubank
HDBank
Kien Long Bank
LienVietBank
MBBank
9
11
12
13
15
17
19
21
23
24
26
28
29
31
32
33
34
36
Important Notes:
1
2
3
4
This special edition of the 'Vietnamese Banks: A Helicopter View" provides an useful snapshot of the consolidated balance sheet and income
statement of Vietnamese Banking Sector by as well as key data and ratios. We have consolidated the financial statements of all 43 domestic
commercial banks in Vietnam including five State Owned Commercial Banks.
The following banks have been excluded: (1) Four 100% foreign owned banks including HSBC, ANZ and StanChart (2) Six joint venture
banks and (3) two policy banks - Vietnam Development Bank (VDB) and Vietnam Bank for Social Policies (VBSP).
Except for Agribank's financials for FY2010 which are based on our projections, all other banks's data has been sourced from either audited
annual financial statements under Vietnamese Accounting Standards (VAS) or their Annual Reports.
Please note that there are only 10 banks listed on three exchanges (HOSE, HNX and UPCOM) where thier financial information is publicly
available. For other privately owned banks, we have sourced information from reliable original sources including relevant authorities, the banks
themselves and other trusted parties.
As our analysis does not include policy banks and foreign banks, there is a difference between our sector data and SBV's figures. For
example, total country loan book figure released by SBV by 2010 end is about VND2,300 trillion (US$115 billion) while our consolidated
country loan balance is closest to VND1,945 trillion ($97 billion).
Contact us:
If you would like to receive the next updates of Vietnamese Bank- A Helicopter View , please contact:
Ms Truong Minh Trang, Senior Manager, Institutional Data Clients, StoxPlus Corporation
Tel: ++84-4-35626962, Email: trang.truong@stoxplus.com
Disclaimer:
The information in this report is believed to be correct, but its accuracy or completeness can not be guaranteed. No representation or warranty,
StoxPlus (including its Directors, employees and representatives) or a connected person may have positions in or options on the securities detailed
Vietnammese Banks - Consolidation of 43 Commercial Banks
Ticker
Banking
Valuation date
(VND billions, except share price and data per employee)
price
Dec 2010 Dec 2009 Dec 2008
Number of banks included
42
43
39
278,265
-192,024
86,240
18,133
-4,921
13,212
1,251
579
-2,456
13,882
-2,409
11,472
2,565
-49,328
63,535
-17,778
45,757
-10,657
-58
35,042
-192
34,850
180,952
-121,859
59,093
11,991
-3,406
8,585
3,126
1,244
2,688
10,746
-952
9,794
1,666
-38,460
47,735
-12,491
35,245
-8,310
72
27,007
-167
26,840
183,046
-130,676
52,370
7,990
-1,986
6,004
5,221
-2,459
617
8,455
-645
7,810
1,731
-31,432
39,860
-16,920
22,940
-5,062
53
17,931
3
17,934
# F3_43
INCOME STATEMENTS
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_44
Interest income
F3_45
Interest expenses
F3_46
Net Interest income
F3_47
Fees and commission income
F3_48
Fees and commission expenses
F3_49
Net Fees and Commission Income
F3_50
Gain/(loss) from forex and gold
F3_51
Gain/(loss) from trading securities
F3_52
Gain/(loss) from investment securities
F3_53
Other incomes
F3_54
Other expenses
F3_55
Net other incomes
F3_56
Profit from investments in associates
F3_57
General and admin expenses
F3_58
Profit from operations before provision
F3_59
Provision expenses
F3_60
Profit before tax
F3_61
Tax - current
F3_63
Tax - deferred
# F3_64
Profit after tax
# F3_65
Less: Minority interests
Profit attributable to parent shareholders
code
F3_2
BALANCE SHEETS
3
4
5
6
7
8
9
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
6/30/2011
-
Dec 2010
Dec 2009
Dec 2008
EPS Earning Per Share (VND)

BVPS Book Value Per Share (VND)
P/E Multiple (x)
P/B Multiple (x)
ToTal Assets/GDP
Total Loan/GDP
GDP (Bil VND)
1,848
11,831
11.3
1.4
1.8
1.0
1,980,914
1,876
12,288
10.5
1.4
1.5
0.9
1,658,389
1,527
11,920
13.0
1.4
1.2
0.7
1,477,717
PROFITABILITY ANALYSIS
Net Interest Margin (NIM)
Av Yield on Earning Assets (YOEA)
Average Cost of Financing (COF)
Cost-to-Income Ratio
ROE
ROA
Preprovision ROA %
Dec 2010
2.7%
8.8%
-6.4%
-43.7%
12.8%
1.0%
1.8%
Dec 2009
2.5%
7.8%
-5.7%
-44.6%
13.8%
1.1%
1.9%
Dec 2008
3.1%
10.9%
-8.6%
-44.1%
11.9%
1.0%
2.2%
ASSET QUALITY
NPL ratio
Loan-loss reserves/NPLs
Loan-loss reserves/Loans
Dec 2010
2.2%
-178.8%
-1.7%
Dec 2009
2.5%
-166.3%
-1.6%
Dec 2008
2.1%
-132.8%
-1.9%
Provision Charges/Loans
-0.9%
-0.8%
-1.6%
Dec 2010
Dec 2009
Dec 2008
9.1%
7.8%
97.9%
7.6%
100.2%
8.2%
90.3%
BANK GROWTH
Average Loans Growth %
Aver Deposit Growth %
Dec 2010
30.5%
33.5%
Dec 2009
41.9%
27.9%
Dec 2008
-
LIQUIDITY
LDR
Interbank borrowing to Total deposits
Dec 2010
97.9%
23.3%
Dec 2009
100.2%
21.5%
Dec 2008
90.3%
15.5%
INVESTMENT ANALYSIS
Dec 2010 Dec 2009 Dec 2008
F3_3
Cash and Precious Metals
79,964
53,587
48,565
F3_4
Balances with the State Bank of Vietnam
77,676
96,320
101,034
F3_5
Placements with and loans to other credit institutions
623,629
422,136
267,386
F3_6
Trading Securities, net
20,698
9,700
9,596
F3_7Trading Securities
22,116
10,637
11,563
F3_8Less: Provision
-1,418
-937
-1,967
F3_9
Derivatives and other financial assets
1,432
1,847
1,572
F3_10
Loans and advances to customers, net
1,916,750 1,469,291 1,032,442
F3_11
Loans and advances to customers
1,949,049 1,493,320 1,052,148
F3_12
Less: Provision for losses on loans and advances
-32,298
-24,029
-19,706
F3_13
Investment Securities
506,632
306,459
261,326
F3_14
Available-for Sales Securities
362,017
218,778
200,829
F3_15
Held-to-Maturity Securities
146,834
90,053
63,449
F3_16
Less: Provision for diminution in investment securities
-2,219
-2,372
-2,952
F3_17
Investment in other entities and LT investments
26,534
21,094
21,325
F3_18
Investment in joint ventures
3,678
50
21
F3_19
Investments in associate companies
3,174
5,637
5,011
F3_20
Other long-term investments
20,392
15,877
17,647
F3_21
Less: Provision for diminution in long term investments
-709
-470
-1,354
F3_22
Fixed Assets
34,398
27,529
20,948
F3_23
Tangible fixed assets
19,726
16,592
13,325
F3_24
Leased assets
782
416
581
F3_25
Intangible fixed assets
13,890
10,520
7,042
F3_26
Investment Properties
280
506
516
F3_1
Other Assets
227,256
130,250
69,966
TOTAL ASSETS
3,515,250 2,538,717 1,834,676
# F3_28
F3_29
Total Liabilities
3,239,081 2,340,510 1,683,690
# F3_30
Due to Government and borrowings from SBV
209,649
144,471
58,767
# F3_31
Deposits and borrowings from other credit institutions
545,266
357,848
202,651
# F3_32
Deposits from customers
1,990,074 1,490,265 1,165,380
# F3_33
Derivatives and other financial liabilities
441
1,048
40,227
# F3_34
Funds received from Gov, int'l and other institutions
133,302
101,192
56,484
# F3_35
Convertible bonds/CDs and other valuable papers issued 255,638
145,848
87,055
# F3_36
Other liabilities
104,710
99,836
73,126
# F3_37
Shareholder's Equity
273,284
194,035
150,411
# F3_38
Capital
230,993
157,906
126,179
# F3_39
Reserves
15,738
18,901
16,002
# F3_40
Foreign Currency Difference reserve
842
709
359
# F3_41
Difference upon Assets Revaluation
71
35
51
# F3_42
Retained Earnings
25,492
15,819
7,636
# F3_27
Minority Interest
3,052
1,926
676
# LIABILITIES AND SHAREHOLDER'S EQUITY
3,515,416 2,536,470 1,834,777
CAPITAL ADEQUACY RATIO

CAR
Equity/Assets
Loans/Deposit Ratio
INCOME STATEMENT CHARTS

70,000
100,000
90,000
60,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
0
50,000
40,000
30,000
20,000
10,000
0
2008
2009
Net Interest income

2008
2009
2010
Profit before tax
BALANCE SHEET CHARTS

4,000,000
2,500,000
3,500,000
2,000,000
3,000,000
2,500,000
1,500,000
2,000,000
1,000,000
1,500,000
1,000,000
500,000
500,000
0
0
2008
2009
2010
2008
2009
2010
Total Assets
Trading and investment securities
300,000
2,500,000
250,000
2,000,000
200,000
1,500,000
150,000
1,000,000
100,000
500,000
50,000
0
0
2008
2009
2010
2010
2008
2009
2010
Valuation comparison of Vietnamese Banks
Valuation date
6/30/2011
10
53
57
13
30
32
MarCap (*)
P/E
P/B
EPS 2010
BVPS
ROE
ROA
6,670
2,817
5.7
0.6
1,175
11,016
10.7%
1.3%
20,800
19,504
8.4
1.7
2,490
12,133
20.5%
1.1%
952
11,176
8.5%
0.5%
2,269
14,716
15.4%
1.0%
8,580
1,287
9.7
0.8
883
10,986
8.0%
1.0%
27,200
41,513
12.2
2.3
2,231
11,906
18.7%
0.9%
OTC
8,670
2,688
27.8
0.8
312
10,407
3.0%
0.9%
OceanBank
OTC
8,810
3,086
5.9
0.8
1,486
11,668
12.7%
0.9%
EAB
DongA Bank
OTC
9,770
4,397
6.7
0.8
1,465
12,044
12.2%
1.2%
10
EIB
Eximbank
HOSE
14,600
18,289
10.1
1.4
1,449
10,785
13.4%
1.4%
11
FCB
Ficombank
OTC
10,330
2,066
19.2
1.0
539
10,689
5.0%
1.4%
12
GB
GP Bank
OTC
7,000
2,113
10.3
0.7
682
10,460
6.5%
0.7%
13
GDB
Gia Dinh Bank
OTC
7,810
1,562
27.6
0.8
283
10,392
2.7%
0.7%
14
HBB
Habubank
HNX
8,400
2,521
5.3
0.7
1,587
11,772
13.5%
1.3%
15
HDB
HDBank
OTC
9,420
1,888
7.0
0.8
1,344
11,764
11.4%
0.8%
16
KLB
Kien Long Bank
OTC
10,380
3,114
15.9
1.0
651
10,750
6.1%
1.5%
17
LVB
LienVietBank
OTC
8,750
3,249
4.8
0.8
1,839
11,059
16.6%
2.0%
18
MB
MBBank
OTC
16,300
12,313
7.2
1.4
2,267
11,759
19.3%
1.6%
19
MDB
OTC
6,600
2,475
15.2
0.6
433
10,192
4.2%
0.9%
20
MHBB
MHB Bank
OTC
8,250
2,512
31.0
0.8
266
10,559
2.5%
0.2%
21
MSB
MaritimeBank
OTC
9,000
4,976
4.3
0.8
2,093
11,445
18.3%
1.0%
22
NAB
Nam A Bank
OTC
5,420
1,084
7.8
0.5
693
10,874
6.4%
1.0%
23
NASB
North Asia Bank
OTC
9,000
2,707
21.4
0.8
421
10,655
4.0%
0.5%
24
NVB
Nam Viet Bank
HNX
8,700
1,584
10.1
0.8
862
11,110
7.8%
0.8%
25
OCB
ORICOMBANK
OTC
6,790
1,876
6.2
0.6
1,102
11,364
9.7%
1.5%
26
PGB
PG Bank
OTC
6,730
1,346
6.2
0.6
1,094
10,867
10.1%
1.3%
27
PNB
Southern Bank
OTC
10,130
3,090
7.4
0.9
1,373
11,713
11.7%
0.7%
28
PVF
HOSE
19,100
11,566
24.9
1.7
766
11,135
6.9%
0.7%
29
SCB
OTC
6,240
2,616
9.4
0.6
663
11,235
5.9%
0.5%
30
SEAB
SeaBank
OTC
6,250
3,334
5.3
0.6
1,179
10,766
11.0%
1.1%
31
SGB
SAIGONBANK
OTC
6,400
32
SHB
SH Bank
HNX
8,300
2,980
6.0
0.7
1,377
11,652
11.8%
1.0%
33
STB
Sacombank
HOSE
12,000
13,117
7.0
0.9
1,712
12,824
13.4%
1.2%
34
TB
Trust Bank
OTC
8,000
2,402
10.2
0.7
786
10,841
7.3%
1.2%
35
TCB
Techcombank
OTC
18,640
12,922
6.2
1.4
2,990
13,544
22.1%
1.4%
36
TPB
Tien Phong Bank
OTC
6,630
1,989
12.3
0.6
539
10,659
5.1%
0.8%
37
VAB
Viet A Bank
OTC
8,940
2,722
10.2
0.8
875
11,150
7.8%
1.1%
38
VCB
Vietcombank
HOSE
27,700
39,489
9.4
1.9
2,956
14,499
20.4%
1.4%
39
VIB
VIBBank
OTC
12,240
6,919
8.7
1.0
1,399
11,663
12.0%
0.8%
40
VPB
VPbank
OTC
10,110
4,668
9.3
0.9
1,090
11,272
9.7%
0.8%
41
VTNB
OTC
7,000
2,379
6.2
0.6
1,135
11,480
9.9%
0.8%
42
VTTB
VietBank
OTC
12,000
3,600
60.0
1.2
200
10,358
1.9%
0.4%
43
WEB
Western Bank
OTC
6,120
1,220
23.9
0.6
256
10,462
2.4%
0.5%
255,982
11.3
1.4
1,848
12,066
14.9%
1.1%
No
Ticker
Bank Name
Exchange
ABB
An Binh Bank
OTC
ACB
HNX
AGRB
Agribank
N/A
BIDV
BIDV
N/A
BVB
Bao Viet Bank
OTC
CTG
VietinBank
HOSE
DAB
DaiA Bank
DCB
Price
Banking
(*)
MarCap does not include Agribank and BIDV as information is not avaiable
Asset and Capital Quality

30 Dec 2010
1000.0%
NPL
%
Update
5700.0%
CAR
%
19,666
1.2%
Update
Dec-10
14.9%
Dec-10
9,377
86,478
28,180
406,300
0.3%
Dec-10
10.6%
Dec-10
3.7%
Dec-10
6.1%
16,560
Dec-10
248,898
2.5%
Dec-10
9.3%
13,718
Dec-10
1,500
5,582
0.0%
Dec-10
N/A
Dec-10
367,712
15,262
231,435
0.7%
Dec-10
8.0%
Dec-10
OTC
11,186
3,101
5,786
0.7%
Dec-10
36.0%
Dec-10
OceanBank
OTC
55,139
3,503
17,448
1.7%
Dec-10
9.6%
Dec-09
EAB
DongA Bank
OTC
55,873
4,501
37,874
1.6%
Dec-10
10.8%
Dec-10
10
EIB
Eximbank
HOSE
131,094
12,527
61,718
1.4%
Dec-10
17.8%
Dec-10
11
FCB
Ficombank
OTC
7,773
2,000
2,704
2.2%
Dec-10
43.5%
Dec-10
12
GB
GP Bank
OTC
27,731
3,018
8,844
N/A
Dec-10
N/A
Dec-10
13
GDB
Gia Dinh Bank
OTC
8,225
2,000
3,626
4.1%
Dec-10
N/A
Dec-10
14
HBB
Habubank
HNX
37,988
3,001
18,300
2.4%
Dec-10
12.3%
Dec-10
15
HDB
HDBank
OTC
34,389
2,004
11,643
0.8%
Dec-10
12.7%
Dec-10
16
KLB
Kien Long Bank
OTC
12,628
3,000
6,947
1.2%
Dec-10
9.0%
Dec-10
17
LVB
LienVietBank
OTC
34,985
3,713
9,755
0.4%
Dec-10
N/A
Dec-10
18
MB
MBBank
OTC
109,623
7,554
48,058
1.3%
Dec-10
11.6%
Dec-10
19
MDB
OTC
17,267
3,750
2,670
1.3%
Dec-10
N/A
Dec-10
20
MHBB
MHB Bank
OTC
51,213
3,045
22,356
1.9%
Dec-10
N/A
Dec-10
21
MSB
MaritimeBank
OTC
115,336
5,529
31,522
1.9%
Dec-10
8.1%
Dec-10
22
NAB
Nam A Bank
OTC
14,509
2,000
5,248
2.2%
Dec-10
18.0%
Dec-10
23
NASB
North Asia Bank
OTC
24,976
3,007
13,651
N/A
Dec-10
N/A
Dec-10
24
NVB
Nam Viet Bank
HNX
20,016
1,820
10,639
2.2%
Dec-10
8.9%
Dec-10
25
OCB
ORICOMBANK
OTC
19,690
2,763
11,480
2.1%
Dec-10
20.6%
Dec-10
26
PGB
PG Bank
OTC
16,378
2,000
10,781
1.4%
Dec-10
20.6%
Dec-10
27
PNB
Southern Bank
OTC
60,235
3,051
30,985
1.8%
Dec-10
9.9%
Dec-10
28
PVF
HOSE
67,033
6,056
32,842
1.9%
Dec-10
12.3%
Dec-10
29
SCB
OTC
60,183
4,193
32,409
11.4%
Dec-10
10.3%
Dec-10
30
SEAB
SeaBank
OTC
55,242
5,335
20,189
1.8%
Dec-10
N/A
Dec-10
31
SGB
SAIGONBANK
OTC
N/A
N/A
N/A
1.9%
Dec-10
16.3%
Dec-10
32
SHB
SH Bank
HNX
51,033
3,590
24,103
1.4%
Dec-10
13.8%
Dec-10
33
STB
Sacombank
HOSE
152,387
10,931
81,664
0.5%
Dec-10
10.0%
Dec-10
34
TB
Trust Bank
OTC
19,762
3,003
9,976
0.3%
Dec-10
17.3%
Dec-10
35
TCB
Techcombank
OTC
150,291
6,933
52,317
2.3%
Dec-10
13.1%
Dec-10
36
TPB
Tien Phong Bank
OTC
20,889
3,000
5,156
0.0%
Dec-10
18.1%
Dec-10
37
VAB
Viet A Bank
OTC
24,083
3,045
13,092
2.5%
Dec-10
11.2%
Dec-10
38
VCB
Vietcombank
HOSE
307,496
14,256
171,125
2.8%
Dec-10
9.0%
Dec-10
39
VIB
VIBBank
OTC
93,827
5,653
41,258
1.6%
Dec-10
10.1%
Dec-10
40
VPB
VPbank
OTC
59,807
4,617
25,095
1.2%
Dec-10
15.1%
Dec-10
41
VTNB
OTC
46,414
3,399
25,993
0.8%
Dec-10
N/A
Dec-09
42
VTTB
VietBank
OTC
16,900
3,000
7,195
0.4%
Dec-10
8.0%
Dec-10
43
WEB
Western Bank
OTC
9,335
1,993
3,943
1.0%
Dec-10
9.0%
Dec-10
3,515,250
230,993
1,916,750
2.2%
No
Ticker
Bank Name
Exchange
31 Dec 2010
30 Dec 2010
ABB
An Binh Bank
OTC
38,016
4,223
ACB
HNX
205,103
AGRB
Agribank
OTC
523,498
BIDV
BIDV
OTC
366,268
BVB
Bao Viet Bank
OTC
CTG
VietinBank
HOSE
DAB
DaiA Bank
DCB
Banking
Total Assets Charter Capital
Total Loan
53
9.1%
13
32
Balance Sheet Summary
For year ended 31 December 2010
Total
Loans
Total
Securities (1)
Total Deposits from

Interbank
Assets
Customers Borrowings (2)
Government
(3)
Total
Equity
No
Ticker
Bank Name
Exchange
ABB
An Binh Bank
OTC
19.666
5.125
38.016
23.457
6.422
100
4.652
ACB
HNX
86.478
52.185
205.103
106.937
28.130
9.452
11.377
AGRB
Agribank
OTC
406.300
36.345
523.498
395.255
16.970
52.945
31.493
BIDV
BIDV
OTC
248.898
34.854
366.268
244.701
28.282
16.665
24.369
BVB
Bao Viet Bank
OTC
5.582
2.963
13.718
7.291
3.020
1.593
1.648
CTG
VietinBank
HOSE
231.435
63.902
367.712
205.919
35.097
43.221
18.170
DAB
DaiA Bank
OTC
5.786
1.689
11.186
4.580
1.418
241
3.227
DCB
OceanBank
OTC
17.448
10.324
55.139
42.338
6.083
1.063
4.087
EAB
DongA Bank
OTC
37.874
3.737
55.873
31.417
4.174
700
5.420
10
EIB
Eximbank
HOSE
61.718
21.990
131.094
58.151
33.370
2.106
13.511
11
FCB
Ficombank
OTC
2.704
1.050
7.773
2.675
2.762
67
2.138
12
GB
GP Bank
OTC
8.844
9.559
27.731
15.681
7.043
753
3.157
13
GDB
Gia Dinh Bank
OTC
3.626
1.417
8.225
3.181
1.941
231
2.078
14
HBB
Habubank
HNX
18.300
7.923
37.988
16.186
10.450
2.012
3.533
15
HDB
HDBank
OTC
11.643
7.622
34.389
13.986
7.255
2.183
2.358
16
KLB
Kien Long Bank
OTC
6.947
2.147
12.628
6.597
1.439
3.225
17
LVB
LienVietBank
OTC
9.755
15.996
34.985
12.314
12.381
2.601
4.106
18
MB
MBBank
OTC
48.058
18.830
109.623
65.741
16.917
8.769
8.882
19
MDB
OTC
2.670
814
17.267
6.556
6.636
90
3.822
20
MHBB
MHB Bank
OTC
22.356
10.738
51.213
21.403
14.343
7.684
3.216
21
MSB
MaritimeBank
OTC
31.522
29.089
115.336
48.627
33.359
11.833
6.328
22
NAB
Nam A Bank
OTC
5.248
3.180
14.509
5.782
4.056
2.175
23
NASB
North Asia Bank
OTC
13.651
5.715
24.976
8.686
8.415
3.380
3.205
24
NVB
Nam Viet Bank
HNX
10.639
2.406
20.016
10.721
5.309
160
2.022
25
OCB
ORICOMBANK
OTC
11.480
1.199
19.690
8.687
4.357
1.097
3.140
26
PGB
PG Bank
OTC
10.781
2.033
16.378
10.705
3.229
2.173
27
PNB
Southern Bank
OTC
30.985
8.018
60.235
28.584
17.815
3.573
28
PVF
HOSE
32.842
9.133
67.033
3.163
10.429
6.743
29
SCB
OTC
32.409
6.556
60.183
35.122
9.551
718
4.711
30
SEAB
SeaBank
OTC
20.189
16.767
55.242
24.790
14.895
8.879
5.743
31
SGB
SAIGONBANK
OTC
404
32
SHB
SH Bank
HNX
24.103
9.200
51.033
25.634
13.272
904
4.183
33
STB
Sacombank
HOSE
81.664
24.456
152.387
78.335
15.410
4.820
14.018
34
TB
Trust Bank
OTC
9.976
3.442
19.762
8.948
5.156
786
3.255
35
TCB
Techcombank
OTC
52.317
31.603
150.291
80.551
27.783
8.091
9.389
36
TPB
Tien Phong Bank
OTC
5.156
6.933
20.889
7.557
7.205
516
3.198
37
VAB
Viet A Bank
OTC
13.092
3.829
24.083
9.395
6.190
627
3.395
38
VCB
Vietcombank
HOSE
171.125
36.773
307.496
204.756
59.536
10.077
20.669
39
VIB
VIBBank
OTC
41.258
19.191
93.827
44.990
22.653
3.602
6.593
40
VPB
VPbank
OTC
25.095
13.697
59.807
23.970
13.782
1.216
5.205
41
VTNB
OTC
25.993
6.464
46.414
25.546
10.389
3.902
42
VTTB
VietBank
OTC
7.195
2.578
16.900
5.566
7.061
400
3.107
43
WEB
Western Bank
OTC
3.943
2.392
9.335
5.593
1.282
69
2.085
1.916.750
553.865
3.515.250
1.990.074
545.266
210.053
273.284
43
43
43
43
43
43
43
Banking
Total counted companies

(1) Trading securities, investment securities and derivative financial instruments
(2) Deposits and borrowings from other credit institutions
(3) Due to Government and borrowings from SBV
P&L Summary

45
Interest
Income
46
47
Interest Net Interest

Expenses
income
50
Net Fees
and Com
Income
51
Gain from
Forex and
Gold
52
Gain from
Trading
Securities
53
Gain from
Investment
securities
59
General and
Admin
Expenses
60
Op profit
before
Provision
61
62
65
Provision
Expenses
Profit Before
Tax
Profit After
Tax
Profit target
2011
No
Ticker
Bank Name
Exchange
ABB
An Binh Bank
OTC
3,300
-2,092
1,209
133
-7
-41
30
-589
755
-94
661
496
498
ACB
HNX
14,960
-10,797
4,164
826
191
-19
91
-2,160
3,330
-227
3,102
2,335
3,075
AGRB
Agribank
OTC
53,484
-36,622
16,862
1,008
483
-44
-3,025
-10,640
10,093
-6,442
3,651
2,682
N/A
BIDV
BIDV
OTC
29,782
-20,590
9,191
1,777
289
-155
-135
-5,546
5,942
-1,317
4,626
3,758
N/A
BVB
Bao Viet Bank
OTC
921
-633
288
10
13
44
-150
207
-30
177
133
150
CTG
VietinBank
HOSE
31,919
-19,830
12,089
1,436
158
-39
-260
-7,197
7,622
-3,024
4,598
3,405
3,825
DAB
DaiA Bank
OTC
853
-640
214
94
-181
170
-42
128
97
375
DCB
OceanBank
OTC
4,203
-2,961
1,241
19
-43
-52
-365
834
-143
691
520
600
EAB
DongA Bank
OTC
4,509
-3,135
1,374
339
11
-17
59
-932
997
-140
858
659
975
10
EIB
Eximbank
HOSE
7,545
-4,662
2,883
474
16
-2
-29
-1,027
2,643
-265
2,378
1,815
2,250
11
FCB
Ficombank
OTC
304
-198
106
93
-60
160
-22
138
108
108
12
GB
GP Bank
OTC
1,847
-1,746
101
248
-10
252
-2
-296
317
-42
275
206
338
13
GDB
Gia Dinh Bank
OTC
570
-379
191
-1
-109
94
-19
75
57
285
14
HBB
Habubank
HNX
3,059
-2,311
749
110
-14
91
108
-387
877
-276
602
476
525
15
HDB
HDBank
OTC
2,353
-1,831
522
154
-39
17
22
-338
373
-22
351
269
26
16
KLB
Kien Long Bank
OTC
1,339
-841
499
25
-32
-25
-182
292
-34
259
195
380
17
LVB
LienVietBank
OTC
2,489
-1,265
1,224
33
50
17
-511
816
-58
759
683
885
18
MB
MBBank
OTC
8,766
-5,247
3,519
589
-4
-1,254
2,834
-546
2,288
1,712
2,100
19
MDB
OTC
620
-334
285
-3
-74
215
-3
212
162
270
20
MHBB
MHB Bank
OTC
4,252
-3,342
909
40
-23
27
-783
232
-121
111
81
N/A
21
MSB
MaritimeBank
OTC
8,246
-6,326
1,920
207
-107
-12
389
-924
1,656
-138
1,518
1,157
1,388
22
NAB
Nam A Bank
OTC
1,072
-810
263
35
29
49
-171
229
-44
185
139
345
23
NASB
North Asia Bank
OTC
2,231
-1,822
409
22
23
29
-250
259
-95
165
127
N/A
24
NVB
Nam Viet Bank
HNX
1,715
-1,224
490
28
-1
-275
251
-42
209
157
207
25
OCB
ORICOMBANK
OTC
1,684
-1,055
629
20
-12
15
-281
421
-19
402
304
375
26
PGB
PG Bank
OTC
1,467
-950
517
73
17
-283
382
-89
293
219
281
27
PNB
Southern Bank
OTC
3,933
-3,622
312
31
142
429
-407
659
-126
532
419
N/A
28
PVF
HOSE
4,020
-3,875
145
206
35
-403
-871
1,144
-570
574
464
625
29
SCB
OTC
5,377
-4,916
461
1,047
28
-52
-588
928
-481
447
278
488
30
SEAB
SeaBank
OTC
3,557
-2,433
1,124
205
78
-2
-447
993
-164
829
629
N/A
31
SGB
SAIGONBANK
OTC
1,596
-1,024
572
27
11
-1
-275
936
-65
871
795
263
32
SHB
SH Bank
HNX
3,737
-2,521
1,216
106
53
10
57
-680
807
-150
657
494
788
33
STB
Sacombank
HOSE
11,802
-7,911
3,891
1,143
-502
18
-151
-2,178
2,878
-318
2,560
1,872
2,025
34
TB
Trust Bank
OTC
1,493
-1,038
455
-2
-32
-5
-197
352
-50
302
236
413
35
TCB
Techcombank
OTC
10,934
-7,750
3,184
930
-91
-71
160
-1,588
3,131
-388
2,744
2,073
3,000
36
TPB
Tien Phong Bank
OTC
1,219
-1,006
213
21
-5
12
-197
262
-49
213
162
347
37
VAB
Viet A Bank
OTC
1,662
-1,130
532
30
-17
-85
247
-307
424
-77
347
266
452
38
VCB
Vietcombank
HOSE
20,581
-12,392
8,188
1,416
562
18
268
-4,544
6,980
-1,501
5,479
4,215
4,238
39
VIB
VIBBank
OTC
6,822
-4,727
2,095
231
98
13
-1,191
1,344
-292
1,051
791
N/A
40
VPB
VPbank
OTC
3,814
-2,737
1,077
211
-9
-59
-544
764
-101
663
503
780
41
VTNB
OTC
3,971
-2,950
1,021
-111
98
-288
665
-152
514
386
413
42
VTTB
VietBank
OTC
1,074
-794
280
12
-4
21
-203
109
-42
67
60
N/A
43
WEB
Western Bank
OTC
781
-582
199
26
-1
-133
93
-25
67
51
375
279,861
-193,048
86,813
13,239
1,262
577
-2,456
-49,603
64,470
-17,843
46,628
35,645
33,464
43
43
43
43
43
36
32
43
43
43
43
43
35
Banking
Total counted companies
Key Financial Ratios

74
75
Net Av Yield on
Interest
Earning
Margin
Assets
(NIM)
(YOEA)
76
77
Non-interest
Av Cost of income/ Net
Financing
Interest
(COF)
Income
78
88
Cost-toIncome
Ratio
Return on
Av. Equity
(ROE)
Non
Return on Performing
Av. Assets
Loan NPL
(ROA)
Ratio
87
84
85
86
90
91
Loans
to Deposit Equity/Liabil
Ratio
ities
Equity/
Loans
Equity/
Assets
Loan-loss
reserves/
Loans
Provision
Charges/
Loans
No
Ticker
Bank Name
Exchange
ABB
An Binh Bank
OTC
3.6%
11.2%
7.4%
9.3%
43.8%
10.7%
1.3%
1.2%
84.7%
13.9%
23.4%
12.2%
1.1%
0.6%
ACB
HNX
2.4%
9.8%
6.8%
27.4%
39.3%
20.5%
1.1%
0.3%
81.5%
5.9%
13.0%
5.5%
0.8%
0.3%
AGRB
Agribank
OTC
3.4%
11.2%
8.1%
22.5%
51.3%
8.5%
0.5%
3.7%
104.9%
6.4%
7.6%
6.0%
2.0%
1.6%
BIDV
BIDV
OTC
2.6%
9.4%
7.7%
23.5%
48.3%
15.4%
1.0%
2.5%
103.9%
7.1%
9.6%
6.7%
2.1%
0.6%
BVB
Bao Viet Bank
OTC
2.3%
9.4%
0.0%
23.8%
42.0%
8.0%
1.0%
0.0%
77.0%
13.7%
29.3%
12.0%
0.6%
0.8%
CTG
VietinBank
HOSE
3.4%
10.9%
8.2%
21.2%
48.6%
18.7%
0.9%
0.7%
113.7%
5.2%
7.8%
4.9%
1.2%
1.5%
DAB
DaiA Bank
OTC
2.1%
10.3%
9.2%
63.1%
51.5%
3.0%
0.9%
0.7%
127.4%
40.5%
55.3%
28.8%
0.8%
0.8%
DCB
OceanBank
OTC
2.7%
11.3%
0.0%
-4.1%
30.5%
12.7%
0.9%
1.7%
41.6%
8.0%
23.2%
7.4%
1.0%
1.0%
EAB
DongA Bank
OTC
3.1%
11.0%
7.5%
39.5%
48.3%
12.2%
1.2%
1.6%
122.0%
10.7%
14.1%
9.7%
1.2%
0.4%
10
EIB
Eximbank
HOSE
2.5%
8.7%
5.6%
26.0%
28.0%
13.4%
1.4%
1.4%
107.2%
11.5%
21.7%
10.3%
1.0%
0.5%
11
FCB
Ficombank
OTC
2.2%
9.5%
6.4%
94.9%
27.2%
5.0%
1.4%
2.2%
101.8%
37.9%
78.5%
27.5%
0.8%
1.2%
12
GB
GP Bank
OTC
0.4%
9.7%
9.1%
489.0%
48.3%
6.5%
0.7%
N/A
56.8%
12.8%
35.4%
11.4%
0.7%
0.6%
13
GDB
Gia Dinh Bank
OTC
2.4%
10.7%
8.9%
5.1%
53.7%
2.7%
0.7%
4.1%
115.1%
33.8%
56.7%
25.3%
1.0%
0.6%
14
HBB
Habubank
HNX
2.2%
10.0%
8.0%
68.2%
30.6%
13.5%
1.3%
2.4%
115.4%
10.3%
18.9%
9.3%
2.1%
1.7%
15
HDB
HDBank
OTC
1.8%
10.4%
7.7%
31.5%
47.6%
11.4%
0.8%
0.8%
83.9%
7.4%
20.1%
6.9%
0.7%
0.2%
16
KLB
Kien Long Bank
OTC
4.5%
14.8%
0.0%
-5.6%
38.3%
6.1%
1.5%
1.2%
106.2%
34.3%
46.0%
25.5%
0.9%
0.6%
17
LVB
LienVietBank
OTC
3.9%
10.6%
5.8%
8.4%
38.5%
16.6%
2.0%
0.4%
79.9%
13.3%
41.8%
11.7%
0.8%
0.8%
18
MB
MBBank
OTC
3.6%
10.7%
6.7%
13.6%
30.7%
19.3%
1.6%
1.3%
74.2%
8.9%
18.2%
8.1%
1.5%
1.4%
19
MDB
OTC
2.3%
8.5%
0.0%
0.8%
25.6%
4.2%
0.9%
1.3%
41.1%
28.4%
141.8%
22.1%
0.9%
0.1%
20
MHBB
MHB Bank
OTC
1.9%
9.9%
8.1%
11.6%
77.2%
2.5%
0.2%
1.9%
105.7%
6.7%
14.2%
6.3%
1.2%
0.6%
21
MSB
MaritimeBank
OTC
2.1%
10.8%
7.7%
30.6%
35.8%
18.3%
1.0%
1.9%
65.5%
5.8%
19.9%
5.5%
1.0%
0.5%
22
NAB
Nam A Bank
OTC
2.4%
10.6%
0.0%
51.0%
42.7%
6.4%
1.0%
2.2%
91.7%
17.6%
41.0%
15.0%
1.0%
0.9%
23
NASB
North Asia Bank
OTC
1.8%
12.8%
10.2%
21.3%
49.1%
4.0%
0.5%
N/A
158.4%
14.7%
23.3%
12.8%
0.8%
0.8%
24
NVB
Nam Viet Bank
HNX
2.8%
9.8%
7.2%
6.9%
52.3%
7.8%
0.8%
2.2%
100.4%
11.2%
18.8%
10.1%
1.2%
0.4%
25
OCB
ORICOMBANK
OTC
3.6%
11.6%
7.7%
9.9%
40.1%
9.7%
1.5%
2.1%
133.4%
19.0%
27.1%
15.9%
0.9%
0.2%
26
PGB
PG Bank
OTC
3.5%
12.0%
0.0%
27.0%
42.5%
10.1%
1.3%
1.4%
101.7%
15.3%
20.0%
13.3%
1.0%
1.0%
27
PNB
Southern Bank
OTC
0.7%
10.4%
0.0%
226.1%
38.2%
11.7%
0.7%
1.8%
109.4%
6.3%
11.4%
5.9%
0.9%
0.5%
28
PVF
HOSE
0.3%
8.8%
0.0%
1045.9%
43.2%
6.9%
0.7%
1.9%
1063.6%
11.3%
20.0%
10.1%
2.4%
1.9%
29
SCB
OTC
1.0%
11.9%
9.5%
227.5%
38.8%
5.9%
0.5%
11.4%
94.5%
8.5%
14.2%
7.8%
2.3%
1.5%
30
SEAB
SeaBank
OTC
2.2%
9.1%
5.9%
25.3%
31.1%
11.0%
1.1%
1.8%
82.7%
11.6%
28.0%
10.4%
1.6%
1.1%
31
SGB
SAIGONBANK
OTC
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.9%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
32
SHB
SH Bank
HNX
2.7%
10.6%
6.6%
21.6%
45.7%
11.8%
1.0%
1.4%
95.1%
8.9%
17.2%
8.2%
1.1%
0.8%
33
STB
Sacombank
HOSE
3.0%
10.9%
7.3%
16.5%
43.1%
13.4%
1.2%
0.5%
105.3%
10.2%
17.0%
9.2%
1.0%
0.4%
34
TB
Trust Bank
OTC
2.7%
12.6%
8.7%
11.7%
35.9%
7.3%
1.2%
0.3%
112.3%
19.7%
32.4%
16.5%
0.8%
0.7%
35
TCB
Techcombank
OTC
2.4%
10.0%
7.3%
45.7%
33.6%
22.1%
1.4%
2.3%
65.7%
6.7%
17.7%
6.2%
1.2%
0.8%
36
TPB
Tien Phong Bank
OTC
1.4%
9.8%
7.4%
112.9%
42.8%
5.1%
0.8%
0.0%
69.1%
18.1%
61.2%
15.3%
1.3%
1.2%
37
VAB
Viet A Bank
OTC
2.8%
10.3%
6.2%
32.9%
42.0%
7.8%
1.1%
2.5%
141.5%
16.4%
25.5%
14.1%
1.5%
0.6%
38
VCB
Vietcombank
HOSE
2.8%
7.6%
4.9%
34.7%
39.4%
20.4%
1.4%
2.8%
86.4%
7.2%
11.7%
6.7%
3.2%
0.9%
39
VIB
VIBBank
OTC
2.4%
9.6%
6.6%
20.1%
47.0%
12.0%
0.8%
1.6%
92.8%
7.6%
15.8%
7.0%
1.1%
0.8%
40
VPB
VPbank
OTC
2.2%
10.1%
6.6%
20.3%
41.6%
9.7%
0.8%
1.2%
105.6%
9.5%
20.6%
8.7%
0.9%
0.5%
41
VTNB
OTC
2.8%
15.3%
0.0%
-6.9%
30.2%
9.9%
0.8%
0.8%
102.7%
9.2%
14.9%
8.4%
0.9%
0.8%
42
VTTB
VietBank
OTC
1.7%
9.3%
8.0%
10.8%
65.1%
1.9%
0.4%
0.4%
130.2%
22.5%
42.9%
18.4%
0.7%
0.8%
43
WEB
Western Bank
OTC
2.5%
8.8%
7.2%
13.5%
58.9%
2.4%
0.5%
1.0%
71.0%
28.8%
52.5%
22.3%
0.8%
0.9%
Ticker
ACB
Valuation date
price
Dec 2010 Dec 2009 Dec 2008
# F3_43
INCOME STATEMENTS
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_44
Interest income
F3_45
Interest expenses
F3_46
Net Interest income
F3_47
F3_48
F3_49
F3_50
F3_51
F3_52
F3_53
Other incomes
F3_54
Other expenses
F3_55
Net other incomes
F3_56
F3_57
F3_58
F3_59
Provision expenses
F3_60
Profit before tax
F3_61
Tax - current
F3_63
Tax - deferred
# F3_64
Profit after tax
# F3_65
code
F3_2
BALANCE SHEETS
Dec 2010
Dec 2009
Dec 2008

P/E Multiple (x)
P/B Multiple (x)
2,490
12,133
8.4
1.7
2,817
12,933
7.4
1.6
3,478
12,219
6.0
1.7
ROE
ROA
Preprovision ROA %
Dec 2010
2.4%
8.7%
-5.9%
-39.3%
20.5%
1.1%
1.6%
Dec 2009
2.1%
7.2%
-5.1%
-36.7%
21.8%
1.3%
1.9%
Dec 2008
3.1%
12.0%
-8.5%
-37.5%
28.5%
2.1%
2.5%
ASSET QUALITY
NPL ratio
Dec 2010
0.3%
-244.8%
-0.8%
Dec 2009
0.4%
-197.1%
-0.8%
Dec 2008
0.9%
-74.1%
-0.7%
-0.3%
-0.5%
-0.3%
Dec 2010
Dec 2009
Dec 2008
10.6%
5.5%
81.5%
6.0%
71.7%
7.4%
54.2%
BANK GROWTH
Dec 2010
39.8%
23.0%
Dec 2009
79.0%
35.4%
Dec 2008
-
LIQUIDITY
LDR
Dec 2010
81.5%
19.4%
Dec 2009
71.7%
13.1%
Dec 2008
54.2%
10.2%
INVESTMENT ANALYSIS
14,960
-10,797
4,164
967
-141
826
191
-19
91
177
-127
50
187
-2,160
3,330
-227
3,102
-745
-23
2,335
0
2,335
9,614
-6,813
2,801
988
-118
870
422
21
552
188
-32
155
115
-1,809
3,126
-287
2,838
-665
28
2,201
0
2,201
10,498
-7,770
2,728
680
-74
607
679
-30
46
38
-1
37
172
-1,591
2,649
-88
2,561
-350
0
2,211
0
2,211
Dec 2010 Dec 2009 Dec 2008

10,885
2,914
33,961
978
1,168
-190
78
86,478
87,195
-717
48,202
2,153
46,169
-120
3,004
0
1
3,036
-33
1,055
1,015
0
40
0
17,547
205,103
6,758
1,742
36,698
639
739
-100
0
61,856
62,358
-502
32,167
300
31,982
-115
1,197
0
1
1,217
-21
873
825
0
48
0
25,952
167,881
9,309
2,121
26,188
226
370
-144
38
34,604
34,833
-229
24,442
716
23,939
-213
1,178
0
205
1,108
-135
789
740
49
0
0
6,411
105,306
# F3_28
F3_29
Total Liabilities
193,726
# F3_30
9,452
# F3_31
28,130
# F3_32
106,937
# F3_33
0
# F3_34
380
# F3_35
# F3_36
Other liabilities
10,594
# F3_37
11,377
# F3_38
Capital
9,377
# F3_39
Reserves
1,210
# F3_40
0
# F3_41
0
# F3_42
Retained Earnings
790
# F3_27
Minority Interest
0
205,103
157,775
10,257
10,450
86,919
23
270
26,583
23,273
10,106
7,814
953
0
0
1,339
0
167,881
97,540
0
9,902
64,217
0
299
16,756
6,366
7,766
6,356
714
0
0
697
0
105,306
3
4
5
6
7
8
9
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_3
F3_4
F3_5
F3_6
F3_8Less: Provision
F3_9
F3_10
F3_11
F3_12
F3_13
F3_14
F3_15
F3_16
F3_17
F3_18
F3_19
F3_20
F3_21
F3_22
Fixed Assets
F3_23
F3_24
Leased assets
F3_25
F3_26
F3_1
Other Assets
TOTAL ASSETS
6/30/2011
20,800

CAR
Equity/Assets
Loans/Deposit Ratio

4,500
3,500
4,000
3,000
3,500
2,500
3,000
2,500
2,000
2,000
1,500
1,500
1,000
1,000
500
500
0
0
2008
2009
Net Interest income

2008
2009
2010
Profit before tax

250,000
100,000
90,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
0
200,000
150,000
100,000
50,000
0
2008
2009
2010
2008
2009
2010
Total Assets
120,000
12,000
100,000
10,000
80,000
8,000
60,000
6,000
40,000
4,000
20,000
2,000
0
0
2008
2009
2010
2010
2008
2009
2010
2011 StoxPlus
#
#
#
#
#
#
#
#
#
#
#
LOANS BY INDUSTRY
Trading
F3_132
Agriculture and forestry
F3_133
Manufacturing and processing
F3_134
Construction
F3_135
Individual and community services
F3_136
Warehousing, transportation and communication
F3_137
Training and education
F3_138
Estate agents and consultants
F3_139
Hotels and restaurants
F3_140
Financial services
F3_141
Others
F3_142
Total
Dec 2010 Dec 2009 Dec 2008

27,617
19,832
8,176
249
167
222
13,517
11,267
4,514
3,571
2,373
947
33,422
22,939
17,709
2,607
1,756
740
80
31
3
1,276
520
608
1,474
998
494
667
631
4
2,715
1,845
1,416
87,195
62,358
34,833
#
#
#
#
#
LOANS BY GRADING GROUP

Current
F3_144
Special Mentioned
F3_145
Substandard
F3_146
Doubtful
F3_147
Bad
F3_148
Total
Dec 2010 Dec 2009 Dec 2008

86,693
61,739
34,125
209
364
399
65
25
224
58
89
67
170
141
18
87,195
62,358
34,833
#
#
#
#
#
#
#
#
#
LOANS BY TYPE OF CUSTOMERS

Domestic Businesses and Individuals
F3_122
Discounted Notes and valuable papers
F3_123
Finance lease
F3_124
Payment on behalf of customers
F3_125
Loans funded by Gov and Int'l institutions
F3_126
Loans to foreign businesses and individuals
F3_127
Loans instructed by the Gov
F3_128
Frozen and awaiting resolution loans
F3_129
Other loans
F3_130
Dec 2010 Dec 2009 Dec 2008

86,545
62,082
34,674
181
71
32
423
173
101
0
0
0
46
32
0
0
0
25
0
0
0
0
0
0
0
0
0
87,195
62,358
34,833
LOANS BY INDUSTRY - 2010

Estate agents and
consultants
Financial services Others

Hotels and
restaurants
Training and
education
Warehousing, tran
sportation and
communication
Trading
Individual and
community
services
Manufacturing and
processing
Agriculture
and forestry
Construction
LOANS BY MATURITY- 2010
Short term loans
LOANS BY MATURITY
Short term loans
# F3_150
Medium term loans
# F3_151
Long term loans
# F3_152
Dec 2010 Dec 2009 Dec 2008

43,890
35,619
15,944
19,871
10,538
7,267
23,434
16,202
11,621
87,195
62,358
34,833
27%
Medium term loans

50%
Long term loans
23%
LOANS BY GEOGRAPHY- 2010
4%
HCM city
6%
5%
Hanoi
Mekong Delta
20%
Central
65%
Others
LOANS BY CURRENCY
Denominated in VND
# F3_154
Denominated in Foreign Currencies and Gold
# F3_155
Dec 2010 Dec 2009 Dec 2008

65,740
51,553
24,564
21,455
10,805
10,269
87,195
62,358
34,833
LOANS BY TYPE OF COMPANY - 2010
#
#
#
#
#
LOANS BY GEOGRAPHY
HCM city
F3_157
Hanoi
F3_158
Mekong Delta
F3_159
Central
F3_160
Others
F3_161
Dec 2010 Dec 2009 Dec 2008

56,678
40,488
24,641
17,179
12,830
5,723
3,513
2,776
1,276
4,411
3,226
1,371
5,414
3,038
1,821
87,195
62,358
34,833
#
#
#
#
#
#
#
LOANS BY TYPE OF COMPANY

State owned companies
Limited Companies
Foreign companies
Local and private companies
F3_154
Individuals
Others
F3_155
Dec 2010 Dec 2009 Dec 2008

5,018
4,378
2,822
48,979
34,253
12,675
205
195
180
21
29
5
32,584
23,005
18,763
389
498
387
87,195
62,358
34,833
1%
State owned
companies
Limited Companies
6%
Foreign companies
37%
Local and private

companies
Individuals
56%
Others
0%
0%
DEPOSITS BY TYPE OF PRODUCTS- 2010

2%
Current Deposits
10%
8%
DEPOSITS BY TYPE OF DEPOSITS

Current Deposits
F3_164
Term Deposits
F3_165
Saving deposits
F3_166
Margin deposits
F3_167
Deposits for special purposes
F3_168
Dec 2010 Dec 2009 Dec 2008

10,391
10,355
7,157
8,550
7,779
3,598
85,491
66,054
49,119
2,420
2,561
4,297
86
169
46
106,937
86,919
64,217
DEPOSITS BY CURRENCY
Denominated in VND
# F3_170
Denominated in Foreign Currencies
# F3_171
Dec 2010 Dec 2009 Dec 2008

85,908
68,398
52,967
21,028
18,521
11,250
106,937
86,919
64,217
#
#
#
#
#
Term Deposits
Saving deposits
Margin deposits
80%
Deposits for special

purposes
DEPOSITS BY TYPE OF CUSTOMERS- 2010

1%
1%
14%
0%
#
#
#
#
#
DEPOSITS BY TYPE OF CUSTOMERS

F3_173
F3_174
Foreign companies
F3_175
Individuals
F3_176
Others
F3_177
Dec 2010 Dec 2009 Dec 2008

849
1,406
581
14,538
13,271
6,888
474
575
252
89,885
71,197
55,931
1,193
470
566
106,940
86,919
64,217
10

Foreign companies
84%
Individuals
Others
2011 StoxPlus
An Binh Bank
Ticker
ABB
Valuation date
price
Dec 2010 Dec 2009 Dec 2008
# F3_43
INCOME STATEMENTS
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_44
Interest income
F3_45
Interest expenses
F3_46
Net Interest income
F3_47
F3_48
F3_49
F3_50
F3_51
F3_52
F3_53
Other incomes
F3_54
Other expenses
F3_55
Net other incomes
F3_56
F3_57
F3_58
F3_59
Provision expenses
F3_60
Profit before tax
F3_61
Tax - current
F3_63
Tax - deferred
# F3_64
Profit after tax
# F3_65
code
F3_2
BALANCE SHEETS
3
4
5
6
7
8
9
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_3
F3_4
F3_5
F3_6
F3_8Less: Provision
F3_9
F3_10
F3_11
F3_12
F3_13
F3_14
F3_15
F3_16
F3_17
F3_18
F3_19
F3_20
F3_21
F3_22
Fixed Assets
F3_23
F3_24
Leased assets
F3_25
F3_26
F3_1
Other Assets
TOTAL ASSETS
6/30/2011
6,670
Dec 2010
Dec 2009
Dec 2008

P/E Multiple (x)
P/B Multiple (x)
1,175
11,016
5.7
0.6
738
10,631
9.0
0.6
129
10,263
51.7
0.6
ROE
ROA
Preprovision ROA %
Dec 2010
3.6%
9.7%
-6.4%
-43.8%
10.7%
1.3%
2.0%
Dec 2009
2.8%
6.6%
-4.5%
-41.9%
6.9%
1.2%
1.8%
Dec 2008
2.3%
12.9%
-13.1%
-73.2%
1.3%
0.4%
0.7%
ASSET QUALITY
NPL ratio
Dec 2010
0.0%
-1.1%
Dec 2009
0.0%
-1.1%
Dec 2008
0.0%
-1.2%
-0.5%
-0.6%
-0.4%
Dec 2010
Dec 2009
Dec 2008
14.9%
12.2%
84.7%
16.9%
85.9%
29.3%
98.0%
BANK GROWTH
Dec 2010
54.3%
56.4%
Dec 2009
97.0%
124.8%
Dec 2008
-
LIQUIDITY
LDR
Dec 2010
84.7%
19.5%
Dec 2009
85.9%
28.9%
Dec 2008
98.0%
21.6%
INVESTMENT ANALYSIS
3,300
-2,092
1,209
234
-101
133
-7
-41
30
3
-5
-3
23
-589
755
-94
661
-165
0
496
0
496
1,647
-957
690
111
-24
88
11
2
26
8
-2
6
16
-351
487
-74
413
-101
0
312
0
312
1,495
-1,224
271
46
-24
22
-5
-25
46
7
-1
7
21
-246
90
-25
65
-16
0
50
0
50
Dec 2010 Dec 2009 Dec 2008

421
1,033
8,167
14
17
-3
2
19,666
19,877
-211
4,791
201
4,594
-5
320
0
53
268
-1
627
498
0
129
5
2,969
38,016
# F3_28
F3_29
Total Liabilities
33,363
# F3_30
100
# F3_31
6,422
# F3_32
23,457
# F3_33
0
# F3_34
16
# F3_35
# F3_36
Other liabilities
879
# F3_37
4,652
# F3_38
Capital
4,223
# F3_39
Reserves
82
# F3_40
0
# F3_41
0
# F3_42
Retained Earnings
347
# F3_27
Minority Interest
0
38,016
193
624
8,439
26
30
-3
0
12,741
12,883
-142
3,027
97
2,935
-5
336
0
0
338
-2
507
431
0
76
0
624
26,518
174
598
2,441
15
37
-22
1
6,458
6,539
-81
2,020
2,020
0
0
773
0
0
773
0
481
423
0
57
0
535
13,494

CAR
Equity/Assets
Loans/Deposit Ratio

1,400
800
1,200
700
600
1,000
500
800
400
600
300
400
200
200
100
0
2008
2009
2010
Net Interest income

9,539
0
2,063
6,674
0
10
571
221
3,956
3,854
49
0
0
53
0
13,494
11
2010
Profit before tax
40,000
25,000
35,000
30,000
25,000
15,000
20,000
10,000
15,000
10,000
5,000
5,000
0
0
2008
2009
2010
2008
2009
2010
Total Assets
4,800
25,000
4,600
20,000
4,400
15,000
4,200
10,000
4,000
5,000
3,800
3,600
0
2008
2009
2009
20,000
22,029
37
6,334
15,002
4
15
0
637
4,489
4,223
50
0
0
216
0
26,518
2008
2010
2008
2009
2010
2011 StoxPlus
Agribank
Ticker
AGRB
Valuation date
6/30/2011
price
Dec 2010F Dec 2009 Dec 2008
Dec 2010F
Dec 2009
Dec 2008

P/E Multiple (x)
P/B Multiple (x)
952
11,176
#VALUE!
#VALUE!
1,547
16,765
#VALUE!
#VALUE!
1,909
15,924
#VALUE!
#VALUE!
ROE
ROA
Preprovision ROA %
Dec 2010F
3.4%
10.7%
-7.8%
-51.3%
8.5%
0.5%
1.9%
Dec 2009
2.5%
9.5%
-7.3%
-55.1%
9.2%
0.4%
1.6%
Dec 2008
3.8%
11.9%
-8.6%
-47.8%
12.0%
0.5%
2.5%
ASSET QUALITY
NPL ratio
Dec 2010F
0.0%
0.0%
-2.0%
Dec 2009
0.0%
0.0%
-1.7%
Dec 2008
0.0%
0.0%
-1.9%
-1.6%
-1.3%
-2.5%
Dec 2010F
Dec 2009
Dec 2008
6.1%
6.0%
104.9%
4.0%
110.9%
4.4%
98.2%
BANK GROWTH
Dec 2010F
12.7%
19.1%
Dec 2009
25.0%
10.6%
Dec 2008
-
LIQUIDITY
LDR
Dec 2010F
104.9%
14.2%
Dec 2009
110.9%
19.4%
Dec 2008
98.2%
12.2%
StoxPlus Forecast
# F3_43
INCOME STATEMENTS
INVESTMENT ANALYSIS
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_44
Interest income
F3_45
Interest expenses
F3_46
Net Interest income
F3_47
F3_48
F3_49
F3_50
F3_51
F3_52
F3_53
Other incomes
F3_54
Other expenses
F3_55
Net other incomes
F3_56
F3_57
F3_58
F3_59
Provision expenses
F3_60
Profit before tax
F3_61
Tax - current
F3_63
Tax - deferred
# F3_64
Profit after tax
# F3_65
code
F3_2
BALANCE SHEETS
3
4
5
6
7
8
9
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
53,484
-36,622
16,862
2,642
-1,634
1,008
483
-44
-3,025
5,404
-26
5,378
71
-10,640
10,093
-6,442
3,651
-866
-47
2,738
-56
2,682
43,247
-31,757
11,490
1,856
-1,148
708
-69
9
149
4,796
-23
4,773
67
-9,443
7,685
-4,892
2,794
-1,011
47
1,830
-53
1,776
45,021
-30,580
14,441
1,413
-560
853
239
-58
36
4,063
-55
4,008
22
-9,341
10,199
-7,411
2,789
-667
6
2,128
-4
2,124
Dec 2010F Dec 2009 Dec 2008
F3_3
F3_4
F3_5
F3_6
F3_8Less: Provision
F3_9
F3_10
F3_11
F3_12
F3_13
F3_14
F3_15
F3_16
F3_17
F3_18
F3_19
F3_20
F3_21
F3_22
Fixed Assets
F3_23
F3_24
Leased assets
F3_25
F3_26
F3_1
Other Assets
TOTAL ASSETS
# F3_28
F3_29
Total Liabilities
# F3_30
# F3_31
# F3_32
# F3_33
# F3_34
# F3_35
Convertible bonds/CDs and other valuable papers issued
# F3_36
Other liabilities
# F3_37
# F3_38
Capital
# F3_39
Reserves
# F3_40
# F3_41
# F3_42
Retained Earnings
# F3_27
Minority Interest
8,688
25,148
22,553
176
262
-86
0
406,300
414,755
-8,455
35,332
29,662
5,694
-24
837
0
563
292
-17
5,012
3,761
0
1,251
8
19,445
523,498
7,296
34,163
21,334
220
262
-42
0
361,740
368,097
-6,357
33,675
28,271
5,427
-23
798
0
537
278
-17
4,448
3,338
0
1,110
8
17,258
480,937
7,537
28,434
14,285
52
111
-59
1
288,941
294,523
-5,582
42,646
38,447
4,246
-47
962
0
420
724
-182
3,939
3,176
0
762
0
13,688
400,485

CAR
Equity/Assets
Loans/Deposit Ratio

12,000
18,000
16,000
10,000
14,000
8,000
12,000
10,000
6,000
8,000
6,000
4,000
4,000
2,000
2,000
0
0
2008
2009
010F
Net Interest income

2008
2009
010F
Profit before tax

600,000
450,000
400,000
500,000
350,000
400,000
300,000
491,399
52,945
16,970
395,255
140
9,769
6,838
9,483
31,493
28,180
0
54
24
3,235
606
523,498
461,077
44,745
44,592
331,894
140
9,765
13,676
16,265
19,255
11,485
7,139
54
24
553
606
480,937
382,687
28,796
17,725
299,954
0
11,144
10,967
14,101
17,715
11,125
5,507
33
40
825
185
400,587
250,000
300,000
200,000
200,000
150,000
100,000
100,000
50,000
0
0
2008
2009
12
2008
2009
010F
Total Assets
450,000
35,000
400,000
30,000
350,000
25,000
300,000
20,000
250,000
200,000
15,000
150,000
10,000
100,000
5,000
50,000
0
0
2008
2009
010F
010F
2008
2009
010F
2011 StoxPlus
BIDV
Ticker
BIDV
Valuation date

Dec 2010 Dec 2009 Dec 2008
# F3_43
INCOME STATEMENTS
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_44
Interest income
F3_45
Interest expenses
F3_46
Net Interest income
F3_47
F3_48
F3_49
F3_50
F3_51
F3_52
F3_53
Other incomes
F3_54
Other expenses
F3_55
Net other incomes
F3_56
F3_57
F3_58
F3_59
Provision expenses
F3_60
Profit before tax
F3_61
Tax - current
F3_63
Tax - deferred
# F3_64
Profit after tax
# F3_65
code
F3_2
BALANCE SHEETS
3
4
5
6
7
8
9
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
6/30/2011
price
Dec 2010
Dec 2009
Dec 2008

P/E Multiple (x)
P/B Multiple (x)
2,269
14,716
-
2,269
14,208
-
1,929
13,025
-
ROE
ROA
Preprovision ROA %
Dec 2010
2.6%
8.5%
-6.9%
-48.3%
15.4%
1.0%
1.6%
Dec 2009
2.5%
7.5%
-5.9%
-44.7%
16.0%
1.0%
1.9%
Dec 2008
2.7%
9.4%
-7.7%
-41.2%
14.8%
0.8%
2.0%
ASSET QUALITY
NPL ratio
Dec 2010
0.0%
0.0%
-2.1%
Dec 2009
2.7%
-97.6%
-2.6%
Dec 2008
2.6%
-98.3%
-2.6%
-0.5%
-1.0%
-1.6%
Dec 2010
Dec 2009
Dec 2008
9.3%
6.7%
103.9%
6.0%
110.2%
5.5%
98.5%
BANK GROWTH
Dec 2010
23.2%
30.7%
Dec 2009
28.2%
14.6%
Dec 2008
-
LIQUIDITY
LDR
Dec 2010
103.9%
13.1%
Dec 2009
110.2%
13.4%
Dec 2008
98.5%
11.0%
INVESTMENT ANALYSIS
29,782
-20,590
9,191
2,411
-635
1,777
289
-155
-135
801
-413
387
135
-5,546
5,942
-1,317
4,626
-865
0
3,761
-3
3,758
21,210
-14,235
6,974
1,968
-564
1,404
209
722
0
906
-295
611
234
-4,536
5,618
-2,012
3,605
-788
0
2,818
0
2,818
22,139
-15,903
6,236
1,260
-258
1,003
791
-839
0
1,235
-175
1,060
119
-3,448
4,922
-2,554
2,369
-371
0
1,997
0
1,997
Dec 2010 Dec 2009 Dec 2008
F3_3
3,253
F3_4
8,110
F3_5
57,789
F3_6
1,336
1,367
F3_8Less: Provision
-31
F3_9
33
F3_10
248,898
F3_11
254,192
F3_12
-5,293
F3_13
31,020
F3_14
29,540
F3_15
1,773
F3_16
-293
F3_17
2,497
F3_18
1,535
F3_19
205
F3_20
952
F3_21
-195
F3_22
Fixed Assets
3,497
F3_23
1,487
F3_24
Leased assets
452
F3_25
1,558
F3_26
0
F3_1
Other Assets
9,834
TOTAL ASSETS
366,268
# F3_28
F3_29
Total Liabilities
341,899
# F3_30
16,665
# F3_31
28,282
# F3_32
244,701
# F3_33
0
# F3_34
36,450
# F3_35
# F3_36
Other liabilities
8,578
# F3_37
24,369
# F3_38
Capital
16,560
# F3_39
Reserves
5,896
# F3_40
384
# F3_41
11
# F3_42
Retained Earnings
1,369
# F3_27
Minority Interest
149
366,417
2,876
5,680
40,197
949
1,089
-141
0
200,999
206,402
-5,402
31,477
29,215
2,406
-144
3,228
0
1,604
1,714
-90
2,304
1,198
408
698
0
8,721
296,432
2,304
12,621
29,620
2,025
2,613
-588
4
156,870
160,983
-4,112
31,395
29,304
2,351
-259
2,779
0
1,398
1,636
-256
2,009
1,002
508
498
0
6,894
246,520

CAR
Equity/Assets
Loans/Deposit Ratio

7,000
10,000
9,000
6,000
8,000
7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
5,000
4,000
3,000
2,000
1,000
0
2008
2009
2010
Net Interest income

2008
2009
2010
Profit before tax

400,000
300,000
350,000
250,000
300,000
278,793
22,931
14,543
187,280
203
28,151
16,018
9,667
17,639
12,415
4,201
221
0
803
0
296,432
233,036
16,986
8,764
163,397
0
15,130
17,651
11,108
13,484
10,353
2,089
84
0
958
0
246,520
200,000
250,000
150,000
200,000
150,000
100,000
100,000
50,000
50,000
0
2008
2009
13
2008
2009
2010
Total Assets
300,000
30,000
250,000
25,000
200,000
20,000
150,000
15,000
100,000
10,000
50,000
5,000
0
0
2008
2009
2010
2010
2008
2009
2010
2011 StoxPlus
Bao Viet Bank
Ticker
BVB
Valuation date
price
Dec 2010 Dec 2009
# F3_43
INCOME STATEMENTS
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_44
Interest income
F3_45
Interest expenses
F3_46
Net Interest income
F3_47
F3_48
F3_49
F3_50
F3_51
F3_52
F3_53
Other incomes
F3_54
Other expenses
F3_55
Net other incomes
F3_56
F3_57
F3_58
F3_59
Provision expenses
F3_60
Profit before tax
F3_61
Tax - current
F3_63
Tax - deferred
# F3_64
Profit after tax
# F3_65
code
F3_2
BALANCE SHEETS
3
4
5
6
7
8
9
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
F3_3
F3_4
F3_5
F3_6
F3_8Less: Provision
F3_9
F3_10
F3_11
F3_12
F3_13
F3_14
F3_15
F3_16
F3_17
F3_18
F3_19
F3_20
F3_21
F3_22
Fixed Assets
F3_23
F3_24
Leased assets
F3_25
F3_26
F3_1
Other Assets
TOTAL ASSETS
# F3_28
F3_29
Total Liabilities
# F3_30
# F3_31
# F3_32
# F3_33
# F3_34
# F3_35
Convertible bonds/CDs and other valuable papers issued
# F3_36
Other liabilities
# F3_37
# F3_38
Capital
# F3_39
Reserves
# F3_40
# F3_41
# F3_42
Retained Earnings
# F3_27
Minority Interest
6/30/2011
8,580
Dec 2010
Dec 2009

P/E Multiple (x)
P/B Multiple (x)
883
10,986
9.7
0.8
421
10,421
20.4
0.8
ROE
ROA
Preprovision ROA %
Dec 2010
2.3%
7.4%
-5.3%
-42.0%
8.0%
1.0%
1.5%
Dec 2009
2.3%
5.0%
-3.3%
-48.4%
4.0%
0.9%
1.2%
ASSET QUALITY
NPL ratio
Dec 2010
0.0%
-7166.2%
-0.6%
Dec 2009
0.0%
0.0%
-0.2%
-0.5%
-0.4%
Dec 2010
Dec 2009
12.0%
77.0%
21.5%
64.2%
BANK GROWTH
Dec 2010
148.9%
107.5%
Dec 2009
-
LIQUIDITY
LDR
Dec 2010
77.0%
38.2%
Dec 2009
64.2%
37.3%
INVESTMENT ANALYSIS
921
-633
288
16
-6
10
13
44
1
1
0
1
0
-150
207
-30
177
-44
0
133
0
133
352
-188
164
3
-1
1
0
0
0
0
0
0
0
-80
85
-9
76
-13
0
63
0
63
Dec 2010 Dec 2009

123
239
4,356
674
674
0
0
5,582
5,615
-33
2,289
2,289
0
0
0
0
0
0
0
81
39
0
42
0
376
13,718
32
196
3,644
0
0
0
0
2,250
2,256
-5
949
949
0
0
0
0
0
0
0
48
24
0
23
0
151
7,270

CAR
Equity/Assets
Loans/Deposit Ratio

250
350
300
200
250
150
200
150
100
100
50
50
0
0
2009
2010
Net Interest income

2009
2010
Profit before tax

16,000
6,000
14,000
5,000
12,000
12,070
1,593
3,020
7,291
0
0
0
166
1,648
1,500
28
0
0
120
0
13,718
5,707
421
1,709
3,514
0
0
0
62
1,563
1,500
9
0
0
54
0
7,270
4,000
10,000
3,000
8,000
6,000
2,000
4,000
1,000
2,000
0
2009
2010
15
2010
Total Assets
8,000
1,660
7,000
1,640
6,000
1,620
5,000
1,600
4,000
1,580
3,000
1,560
2,000
1,540
1,000
1,520
0
2009
2010
2009
2009
2010
2011 StoxPlus
Data Update Master Sheet

3
45
68
79
84
93
96
98
103
108
110
2010
No
Ticker
Bank Name
45
68
79
84
93
96
98
103
108
110
2009
LOAN BY
Exchange
BS
P&L
GRADING
GROUP
INDUSTRY
N/A
N/A
N/A
84
93
96
98
103
108
110
BS
P&L
GRADING
GROUP
INDUSTRY
N/A
TYPE OF
CUSTOMERS
N/A
MATURITY
N/A
CURRENCY
N/A
N/A
N/A
BS
TYPE OF
CUSTOMERS
CURRENCY
N/A
P&L
GRADING
GROUP
INDUSTRY
N/A
TYPE OF
CUSTOMERS
N/A
MATURITY
N/A
CURRENCY
N/A
TYPE OF
DEPOSITS
GEOGRAPHY
N/A
N/A
TYPE OF
CUSTOMERS
CURRENCY
An Binh BankOTC
N/A
N/A
Asia Commercial
HNXBank
AGRB
Agribank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
BIDV
BIDV
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
BVB
Bao Viet BankOTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
CTG
VietinBank
HOSE
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
DAB
DaiA Bank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
DCB
OceanBank OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
EAB
DongA Bank OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
10
EIB
Eximbank
HOSE
N/A
N/A
N/A
N/A
11
FCB
Ficombank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
12
GB
GP Bank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
13
GDB
Gia Dinh BankOTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
14
HBB
Habubank
HNX
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
15
HDB
HDBank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
16
KLB
Kien Long Bank

OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
17
LVB
LienVietBank OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
18
MB
MBBank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
19
MDB
Mekong Development
OTC
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
20
MHBB
MHB Bank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
21
MSB
MaritimeBankOTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
22
NAB
Nam A Bank OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
23
NASB
North Asia Bank

OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
24
NVB
Nam Viet Bank

HNX
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
25
OCB
ORICOMBANK
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
26
PGB
PG Bank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
27
PNB
Southern BankOTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
28
PVF
PetroVietnam HOSE
Finance Corp.
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
29
SCB
Saigon Commercial
OTC Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30
SEAB
SeaBank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
31
SGB
SAIGONBANKOTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
32
SHB
SH Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
33
STB
Sacombank HOSE
N/A
34
TB
Trust Bank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
35
TCB
TechcombankOTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
36
TPB
Tien Phong Bank

OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
37
VAB
Viet A Bank OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
38
VCB
Vietcombank HOSE
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
39
VIB
VIBBank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
40
VPB
VPbank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
41
VTNB
Vietnam Tin Nghia

OTC Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
42
VTTB
VietBank
OTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
43
WEB
Western BankOTC
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
80
N/A
TYPE OF
DEPOSITS
GEOGRAPHY
DEPOSITS BY
ACB
HNX
N/A
TYPE OF
CUSTOMERS
CURRENCY
79
ABB
N/A
TYPE OF
DEPOSITS
68
LOAN BY
N/A
GEOGRAPHY
45
DEPOSITS BY
N/A
CURRENCY
LOAN BY
OTC
N/A
TYPE OF
MATURITY
CUSTOMERS
2008
DEPOSITS BY
N/A
N/A
N/A

StoxPlus - Vietnamese Banks - Full Data Coverage - Issue 1 - Jul 2011

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

StoxPlus - Vietnamese Banks - Full Data Coverage - Issue 1 - Jul 2011

Uploaded by

Copyright:

Available Formats

Last update:

VIETNAMESE BANKS: TABLE OF CONTENTS

Vietnamese Bank - Bring them together

Mekong Development Bank

Valuation comparison of Vietnamese Banks

Asset Quality and Capital Adequacy

Balance Sheets Summary - FY2010

P&L Summary - FY2010

North Asia Bank

Nam Viet Bank

Asia Commercial Bank

Vietnammese Banks - Consolidation of 43 Commercial Banks

(VND billions, except share price and data per employee)

Number of banks included

EPS Earning Per Share (VND)

Dec 2010 Dec 2009 Dec 2008

CAPITAL ADEQUACY RATIO

INCOME STATEMENT CHARTS

Net Interest income

Profit from operations before provision

Profit before tax

BALANCE SHEET CHARTS

Loans and advances to customers, net

Trading and investment securities

Deposits from customers

Valuation comparison of Vietnamese Banks

Gia Dinh Bank

Kien Long Bank

Mekong Development Bank

North Asia Bank

Nam Viet Bank

PetroVietnam Finance Corp.

Saigon Commercial Bank

Tien Phong Bank

Vietnam Tin Nghia Bank

Asia Commercial Bank

Bao Viet Bank

Asset and Capital Quality

Gia Dinh Bank

Kien Long Bank

Mekong Development Bank

North Asia Bank

Nam Viet Bank

PetroVietnam Finance Corp.

Saigon Commercial Bank

Tien Phong Bank

Vietnam Tin Nghia Bank

Asia Commercial Bank

Bao Viet Bank

Total Assets Charter Capital

Balance Sheet Summary

For year ended 31 December 2010

Total Deposits from

Asia Commercial Bank

Bao Viet Bank

Gia Dinh Bank

Kien Long Bank

Mekong Development Bank

North Asia Bank

Nam Viet Bank

PetroVietnam Finance Corp.

Saigon Commercial Bank